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BRINGING MORE MONEY IN TO THE FAMILY HOME

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Ask any modern family, and they will tell you that money is one of the most frequently revisiting problems they experience. For many of us, money can prove to be a real nuisance, and this is going to remain the case as long as you are not aware of how to improve it. As it happens, there are countless ways that pretty much any family can hope to bring in more money or to save what they already have. Knowing this, and doing everything you can to make the most of the situation, can mean that you live a much happier and healthier life with your family.

 

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Plan Meals

 

One of the most basic ways to save a surprising amount of money is to plan your meals well in advance. When you do this, you will find that it is much easier to save money on your weekly grocery shopping. And for most families, this does tend to be one of the major expenses, so reducing this is likely to make a considerable difference to your life overall. Planning meals is a lot simpler than you might think. Make sure that you vary your meals accordingly, and that you remember to actually plan for all meals (in other words, don’t forget breakfast and lunch!) Do this right, and your finances will thank you.

 

Live Greener

 

We have all heard plenty about living as green as possible. No matter who you are, you should agree that living a green life will help you to save a considerable amount of money. Not only that, but you will be helping the environment as well, so everybody really does win here. If you want to be a bit more green, there are plenty of things you can do, from the minor to the major. On a larger scale, you might want to visit the Nicholls website and see if ground source heat pumps are suitable for your home. This is a kind of heating which can save you a lot of money, and is more environmentally friendly as well. On a smaller, everyday scale, you could simply endeavor to use less water or to ensure your home is insulated properly. All the little changes you can make will add up to make a huge difference.

 

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Online Earning

 

If you actually feel in need of bringing in more money to your home, then you might be pleased to know that you can do that pretty easily these days. Thanks in large part to the Internet, you can now make extra money online incredibly quickly and easily. No matter what kind of time you might have to spare, no matter how little, you will be able to make some extra money if you know where to look. You have a lot of options here, but just make sure that you go for something that actually interests you above all. You don’t want to spend your time doing something soulless, but you can easily make a lot of money if you are happy, say, carrying out online surveys or installing a google add-on which pays you for clicks.

 

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3 CLEAR SIGNS OF GOOD INSURANCE

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These days, you can pretty much take out an insurance policy on anything you like – chances are, there will be a company somewhere willing to sell you such a policy. Of course, this is not to say that it is always necessary. But when you do want to take out insurance on something, either because it is a legal duty or because you just want to, then you want to know that you are going for a policy which you can trust, and a company which you feel you can rely on. It can be hard to know that is is the case, but as long as you keep your eye out for a few key signs, you should be able to spot good insurance policies when you see them. Let’s take a look at a few of those signs, so that you can be in a better position to find policies that suit you and which you can trust.

 

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Trustworthy Broker

 

These days, the majority of insurance companies work through brokers. If you are unsure what that is, it is actually quite simple. Essentially, the broker is the person or organisation who deals with the customer-facing aspects of the business. While the insurance company themselves actually deals with the policy and so on, the broker communicates with you directly, and is often the one who decide on whether a claim is successful or not. As your main point of contact, you probably want to be able to feel that you can trust them – and this is a good sign of an insurance company you might want to go for. If you can’t trust them, then it might eventually result in you taking out professional broker claims against them or worse – and you can believe that they don’t want that!

 

Fair Premium

 

It goes without saying that you will expect to pay some kind of a premium. After all, they have to make their money somehow. But you should be savvy when shopping around, and treat it like any other purchase which you might make. Be sure to go for a premium which you feel is fair for the policy you are getting. This can be hard to determine, especially if you are not experienced, so make sure to ask a financial advisor if you feel you need to. As long as the premium is fair, you will probably feel that you are happy with your choice, so this is a major sign to look out for.

 

Clear Terms

 

There are few things more frustrating than when an insurance company fails to be clear in their communications with you. When this happens, it can result in you losing out on a lot of money in the worst case scenario, and that is why you want to go for a company which is absolutely clear in its terms at all times. Be sure to read through the terms of the policy when you take it out – and if there is anything dodgy, then don’t go for it, but go elsewhere instead.

 

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HOW TO BE SMART WITH YOUR INHERITANCE

 

 

We were talking to a great friend the other day about inheritance. His grandfather passed away and left him a sizeable chunk of money that he wasn’t expecting.

 

What became clear right off the bat, though, was how immensely bittersweet the topic of inheritance is, and how much respect it demands. Not only that, but it is also clear that this topic has one foot firmly placed within the realm of taboo.

 

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Not talking about it, though, can be dangerous. They were his words, not ours. You suddenly have this money, which kind of translates as freedom, this chance to better your situation and use it as a way to remember a loved one, but that needs real consideration. That’s when we began discussing how to best invest an inheritance package with, you know, real long-term growth.

 

This is not an uncommon thought, apparently. That’s something we found out when doing a little bit of research, speaking to beneficiaries, probate solicitors, tax experts, and accountants. As such, we have come up with a list of things to consider when looking to invest an unexpected inheritance package.

 

  1. Look At The Bigger Picture

One of the first things you need to do is look at your careful and decide how this cash fits into the picture. It could be that you have debts with high-interest rates or credit cards to pay off, in which case it makes sense to invest some of your inheritance in paying this off.

 

However, if it is a mortgage or a student loan that you are considering paying off then we suggest you stop. Why? Because these are debts with low-interest rates and tax deductions, and that means your inherited cash could be better used elsewhere.

 

  1. How Much Of A Cushion Do You Have

This is always worth going through with a comb of any size because it could play a biggish factor in how much you rip from the wad and put to one side. For example, if you don’t have a cash cushion of any kind at the moment, then we suggest you put a sizeable chunk of your inheritance in a savings account you can easily access.

 

This may sound a little too sensible, but sensible is good when you’re talking money. If you want some guidance on how much you need to tuck away, the unwritten rule is a minimum of three months worth of expenditure. This is essentially a ‘just in case things go belly up’ account.

 

  1. What Vehicle To Drive

It is pretty much always worth speaking to an accountant. Period. This is because choosing which investment vehicle is primed to suit you – and your very bespoke situation – can be a tricky thing to get your inexperienced head around. They will be able to tell you about how you can use your inheritance to bump up your 401(k) retirement plan and hit the maximum contribution.

 

They may suggest you set up a Roth IRA and go through the best way to do this. Perhaps they will suggest high-interest saving account with your children named as beneficiaries on the account to avoid this inheritance going into probate should anything happen to you. There are a lot of options, which is why calling in the professional is never a bad shout.

 

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LEGIT WAYS TO MAKE MONEY ONLINE

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There are so many people who would love to be able to work from home so that they can avoid a long commute, spend more time with their children or just have a better quality of life, that it is not at all surpassing that scammers have started using work at home opportunities to defraud people.

 

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Many individuals looking for genuine ways to make money online have been scammed out of money and left to pick up the pieces. However, that doesn’t mean that it isn’t possible to make money online, quite the opposite, in fact. Here are some of the most legit ways to make money online:

 

Becoming a Content Writer

 

Websites need writers, which means that there are lots of genuine opportunities to become a freelance content writer working from home. If you are a good writer, check out websites like People Per Hour and Copify, or set up your own blog to showcase your writing and you could start making money in no time at all.

 

Becoming a Niche Website Owner

 

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For just a few dollars and a few hours of work, you can set up a niche website, and fill it with affiliate links and Google Ads, which can bring in more money than you might think if you are dedicated to creating a valuable website filled with content that people will want to read.

 

Take Advantage of Sign-Up Bonuses

 

If you think that you will be able to manage your money on Foxy Bingo, you might want to consider signing up for this, and other gambling sites, which offer free sign-up bonuses. You can then use the bonus money to play games like bingo, and possibly win a lot of money for free. Obviously, this won’t enable you to make a full-time income, but if you’re looking to make a little extra now and again, it’s an option worth considering.

 

Selling on eBay

 

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Many people are able to make a full-time income by selling stuff on eBay. In order to do this, you will need either to have enough capital to buy your starter stock wholesale or have a knack for finding bargains at thrift stores and garage sales, which can then be flipped for a profit.

 

Vlogging

 

Did you know some people have become millionaires just by posting videos on Youtube? It sounds incredible, but if you have something to say and you are able to come up with compelling content, you could make a regular income on a platform like Youtube. You probably won’t make millions, but you could earn enough to quit your job if you’re really dedicated, and your videos acquire a following.

 

Teaching

 

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If you have a particular skill that is in demand, whether it be painting, speaking Japanese or knowing how to code, platforms like Craftsy and could enable you to make an income online. All you have to do is create your own video course, upload it and wait for students to sign up.

 

I hope this has given you some ideas that will help you to work from home or, at least boost your income online. Let me know how it goes.

 

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HOW TO MAKE MONEY WITH SURVEY SITES

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I have spoken at length before about a fantastic survey site Prolific Academic, survey sites are a great way of making extra money and vouchers, you would be surprised at how easy and quickly you can earn by just answering a few questions.

 

You could earn as much as £5 for completing questions which could take up to 30 minutes of your time.  It is easy to do in your lunch break!

 

Survey sites do differ in what they offer in terms of number of questions, time you need to take, types of questions you are asked to complete and the amount of money you are paid.

 

Below I have listed a further two survey sites which I recommend as a way of making extra cash…

 

 

Reward TV UK

RewardTV has been around for approximately 10 years.  You sign up and answer questions about your viewing habits and other likes and dislikes in relation to TV programmes.

 

It’s a very easy to register and start earning.  Basically you watch TV as you normally do, you then login to their website and answer questions about what you watched.

 

Answering questions allows you to accumulate points which you save up and then get to spend.

 

Why not register today and see how much you can accumulate?

 

 

 

Pinecone 

 

This is a great site, where you get to help influence tomorrow’s products!  You complete surveys from the comfort and convenience and get paid for sharing your thoughts.  Membership is totally free and only takes a few minutes to sign up.

 

Pinecone is very generous in terms of payment – you can earn up to £3 per survey so really worth signing up to now!

 

Why not register here and start earning now?

 

 

Happy money making!

 

 

Elf x

 

 

 

ANT TO MAKE MONEY WITH YOUR OLD RECEIPTS?  READ ALL ABOUT IT HERE.

WANT TO EARN GIFT VOUCHERS?  READ MY REVIEW OF SWAGBUCKS.  

INTERESTED IN KNOWING WHAT A VIRTUAL ASSISTANT DOES AND HOW YOU CAN MAKE MONEY?  READ MORE HERE.  

WANT TO GET PAID FOR COMPLETING SURVEYS?  READ MY POST ABOUT PROLIFIC ACADEMIC HERE.

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